Cheapest Car Insurance Quotes in Poquott

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Poquott Car Insurance

^$ 59

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Poquott

The car insurance rate in Poquott is $1552 for a six-month policy, which is $394 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $740, making it a popular choice for budget-conscious drivers. Rates in Poquott can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Poquott

$1552

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Poquott

1st place: Kemper

At $740 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $980 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1043 for six months, making it the third cheapest auto insurance company in Poquott.

Poquott Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Poquott, NY is Kemper, offering policies at just $740 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $980.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $2380 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Poquott drivers find the best deals.

Cheap Car Insurance Companies in Poquott, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$740	$126
New York Central Mutual Fire	$980	$163
Progressive	$1043	$176
American Family	$1146	$193
NYCM	$1386	$233
USAA	$1536	$259
Erie	$1568	$264
Nationwide	$1711	$285
Travelers	$1743	$293
State Farm	$2077	$350
Allstate	$2324	$391
Chubb	$2380	$397

Key Takeaways

Way's key takeaways about car insurance in Poquott

The auto insurance costs in Poquott fall around $740 for six months.
The cheapest auto insurance company in Poquott is New York Central Mutual Fire.
Teen drivers pay the highest rate in Poquott at $1197 per month.

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Cheapest Minimum Liability Car Insurance in Poquott

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Poquott are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Poquott. Their Average 6 Month Premium is $350. Preferred Mutual is the most expensive at $923 for the same period.

Cheapest Liability Coverage in Poquott, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$350	$59
NYCM	$414	$68
Kemper	$430	$74
American Family	$517	$87
Progressive	$533	$90
USAA	$685	$115
Erie	$844	$143
Travelers	$907	$151
Allstate	$972	$165
State Farm	$1034	$173
Nationwide	$669	$111
Utica National	$764	$130
Preferred Mutual	$923	$154

Cheapest Full Coverage Car Insurance in Poquott

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Poquott is Kemper at $126 per month and $740 for six months.

Cheapest Full Coverage Car Insurance Quotes in Poquott, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$740	$126
New York Central Mutual Fire	$980	$163
Progressive	$1043	$176
American Family	$1146	$193
NYCM	$1386	$233
USAA	$1536	$259
Erie	$1568	$264
Nationwide	$1711	$285
Travelers	$1743	$293
State Farm	$2077	$350
Allstate	$2324	$391
Chubb	$2380	$397

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Average Car Insurance in Poquott by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Poquott, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Poquott, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Poquott's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Poquott

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Poquott,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Poquott at $86 per month. At $7107 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$501	$86
American Family	$604	$102
NYCM	$1337	$225
Progressive	$1648	$277
New York Central Mutual Fire	$1743	$296
Erie	$3351	$559
USAA	$3685	$620
Travelers	$4847	$816
Nationwide	$5046	$858
Chubb	$5285	$880
Allstate	$6081	$1024
State Farm	$7107	$1197

Teen Car Insurance Rates in NY by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Poquott, Kemper is the cheapest car insurance provider. At $1123 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Poquott is Progressive, offering rates of around $6725 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1123	$188
Nationwide	$1711	$291
Chubb	$2030	$342
USAA	$2467	$419
Erie	$2626	$442
American Family	$2667	$453
NYCM	$2986	$497
Allstate	$3255	$548
Mercury	$3319	$553
State Farm	$3430	$578
Travelers	$3972	$669
Progressive	$6725	$1132

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Save up to $971/yr on car insurance rates in Poquott.

Car Insurance Rates with An Accident in Poquott

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Poquott, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Poquott

The cheapest car insurance companies after an at-fault accident in Poquott include Kemper and American Family, offering $620 and $637, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $772.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$620	$103
American Family	$637	$107
Progressive	$980	$165
NYCM	$996	$168
New York Central Mutual Fire	$1178	$197
USAA	$1337	$225
Erie	$1711	$288
Chubb	$1942	$327
Allstate	$2093	$352
Travelers	$2157	$363
Nationwide	$2261	$377
State Farm	$2642	$445
Utica National	$764	$130
Preferred Mutual	$772	$129

Poquott Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Poquott NY. For example, the car insurance in Poquott after a DUI increases to $955 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

Poquott auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1679	$280
One Med/PIP claim	$1679	$285
One comp claim	$1695	$283
Two comp claims	$1711	$291
Two Med/PIP claims	$1711	$285
Not-at-fault accident	$1719	$292
Failure to show documents	$1743	$291
Failure to wear a seat belt	$1751	$297
Driving with expired registration	$1767	$295
At-fault accident - less than $1000	$1776	$302
Cell phone violation	$1776	$296
Child safety restraint	$1776	$302
Driving without lights	$1776	$296
Failure to stop at a red light	$1776	$302
Failure to yield	$1776	$296
Following too closely	$1776	$302
Illegal turn	$1776	$296
Improper passing	$1776	$302
Passing school bus	$1776	$296
Texting while driving	$1776	$302
Wrong way/wrong lane	$1776	$296
Driving too slowly	$1792	$304
Speeding in school zone	$1792	$299
At-fault accident - $1000-$2000	$1798	$306
Speeding 11 - 15 MPH over limit	$1830	$306
Speeding 6 - 10 MPH over limit	$1830	$311
Operating a vehicle without permission	$1863	$311
Open container	$1887	$320
In 65 MPH zone	$1966	$328
Speeding 16 - 20 MPH over limit	$1990	$339
Speeding 21 - 25 MPH over limit	$2061	$343
At-fault accident - greater than $2000	$2220	$378
Reckless driving	$2372	$395
Racing	$2467	$419
Driving with a suspended license	$2555	$426
Refusal to submit to a chemical test	$2610	$444
DUI	$2634	$440
Leaving scene of an accident/hit and run	$2675	$454

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Poquott after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Poquott.

The cheapest car insurance premiums in Poquott are offered by American Family at $604 for a six-month policy. However, it can be as expensive as $2986 with companies like Chubb.

Poquott car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$604	$102
Kemper	$637	$109
Progressive	$820	$138
NYCM	$1242	$209
New York Central Mutual Fire	$1432	$239
USAA	$1632	$275
Travelers	$2133	$359
Allstate	$2523	$425
Erie	$2602	$434
Nationwide	$2826	$481
State Farm	$2969	$500
Chubb	$2986	$508

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Poquott are offered by American Family at $533. However, it can be as expensive as $3398 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Poquott after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$533	$88
Kemper	$533	$91
Progressive	$772	$130
NYCM	$1250	$213
USAA	$1449	$241
Erie	$1695	$288
Nationwide	$1711	$285
Travelers	$1974	$335
State Farm	$2388	$398
Chubb	$2826	$481
Allstate	$3398	$567

Car Insurance Price Trends in Poquott, New York

Car insurance rates in Poquott have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Poquott rose by $369 in January compared to $331 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the Poquott dipped to $107 in January, compared to $114 in December. This represents an decrease of $7 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Poquott?

The car insurance in Poquott is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Poquott?

The cheapest car insurance in Poquott is $126 per month for full coverage.

How much is car insurance in Poquott for teenagers?

Car insurance for teenagers costs $501 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Poquott?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $260 per month to insure your car in Poquott.

Is car insurance expensive in Poquott?

Car insurance can be expensive in Poquott if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Poquott can be affordable.

Cheapest Car Insurance Quotes in Poquott

Why you can trust Way?

How Much Is Car Insurance in Poquott

Avg. Car Insurance in Poquott

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Poquott

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Poquott Car Insurance Rates by Company

Cheap Car Insurance Companies in Poquott, NY

Way's key takeaways about car insurance in Poquott

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Poquott

Cheapest Liability Coverage in Poquott, NY

Cheapest Full Coverage Car Insurance in Poquott

Cheapest Full Coverage Car Insurance Quotes in Poquott, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Poquott by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Poquott, NY increasing?

Car Insurance Premiums by Age in Poquott

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Poquott,NY

If you are in your twenties N/A is the best choice for car insurance in Poquott.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Poquott

Cheapest Car Insurance Companies after an At-Fault Accident in Poquott

Poquott Car Insurance Rates by Violation

Poquott auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Poquott after a DUI

Poquott car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Poquott after Speeding ticket

Car Insurance Price Trends in Poquott, New York

Average Car Insurance Cost in Poquott by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Poquott, NY

Car Insurance Rates by State in the USA (2025 Update)

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